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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $15,641 | $135,956-88.5% | $123,894-87.4% | $273,972-94.3% |
| Participation rate | 38.5% | 84.1%-45.6pp | 81.4%-42.9pp | 83.0%-44.6pp |
| Annual return | 1.97% | 56.63%-54.7pp | 47.52%-45.5pp | 41.46%-39.5pp |
| Employer contribution / active EE | $1,156 | $5,170-77.6% | $4,617-75.0% | $4,869-76.3% |
| Participant deferral / active EE | $7,360 | $6,343+16.0% | $5,984+23.0% | $5,287+39.2% |
| Admin fee / account holder | $4,861 | $9,817-50.5% | $8,357-41.8% | $10,133-52.0% |